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Anu

Anu Krishna  |1639 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 06, 2022

Anu Krishna is a mind coach and relationship expert.
The co-founder of Unfear Changemakers LLP, she has received her neuro linguistic programming training from National Federation of NeuroLinguistic Programming, USA, and her energy work specialisation from the Institute for Inner Studies, Manila.
She is an executive member of the Indian Association of Adolescent Health.... more
KN Question by KN on Apr 06, 2022Hindi
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Relationship

Hi Anu, I would like to be anonymous.
I got cheated by my boyfriend in my 20s and was in depression. My parents thought that it would be nice if I get married to someone who is elder to me and we'll settled.
They got me a match who is 13 years elder than me. Joint family, one sister separated with her kid in the same house, one unmarried.
I said yes but had the intuition that something is wrong. No one trusted me and I got married to the man.
From Day 1, we were fighting. I tried to take help from my parents to get separated after a year but they didn't help me due to societal pressure. After my son born, he paid no attention towards my son and me for 7 months. But this time he told that he was busy at work. I returned to my in-laws.
He tried to control everything –my friends, he restricted my social media accounts and also kept a screenshot of my conversation with my ex-boyfriend, threatening me to reveal it to my mom and dad. He also had the habit of not talking for 2-3 months in the same house. He did it for almost 10 years and pressurised me to have a second child.
During my pregnancy, he yelled at me calling me mad and fought with me. He called my father and told him I am mad and sent me to my mom and dad again for delivery.
Keeping my elder son for reference he tells to come back again. He doesn't provide any financial support and is threatening again with screenshots.
He often checks my mobile without my permission affecting my BP. I don't know why? I lost my sleep at night for several months by now. I am not able to concentrate on anything. Negative thoughts occupy my mind. I have a kid of 1.5 years with me.
Please help. I am mentally devastated. Thank you.

Ans:

Dear K,

What advice will you give a close friend if she came to you with the same problem that you have stated? Will you ask her to reconcile or keep her sanity intact?

Controlling the spouse is a classic way of coping for insecurity related issues within a relationship.

Being years older to you and having a young wife possibly might have given him goosebumps of you being attractive to people your age.

Whatever the reason, being passive aggressive and registering his insecurity through not talking for months, stalking you, monitoring your social media accounts, threatening to blackmail you with screenshots from your previous affairs; does it all sound like he is a person who you want to spend your life with?

If you still feel there is small chance and you want to, seek the help of a professional who can work with him and then the two of you to create an element of trust that is absolutely missing.

Any relationship that lacks trust, just crumbles as the foundation is weak and every little act that questions the other person’s integrity drives a further wedge.

You have a child that is dependent on you; be strong and whichever way that you choose, drive it…Inaction is what is causing you health issues, so do something NOW.

All the best and Be Strong.

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Shalini

Shalini Singh  |168 Answers  |Ask -

Dating Coach - Answered on Feb 24, 2023

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Relationship
We had an arranged marriage through matrimonial site. He lied to me about his drinking habits and financial status, etc. But after marriage i let it go that these things can be changed. His mother from the very first day was taunting and harrassing me for my skin colour, clothes, things given by my parents, etc. I never answered back to her. He also didn't said a single word to stop her. His sisters also used to taunt me and there were lots of interference. I never told anything to my parents. One day his mother was harrassing me over phone. I didn't said anything to her but called my husband and told him everything in very angered tone. He recorded everything and sent it to my parents, his parents, etc. When i tried to confront him, he blocked me. We couldn't talk for a long period. Now, he doesn't want to continue this relationship and said he wants divorce without giving any explanation. I am also very hurt. But also very confused about my future with him that how will i live with such a spineless man? My parents are not listening me that i also don't want to continue this toxic relationship. What should I do?
Ans: Its unfortunate that you had to experience what you had to...

1. Hope you are financially independent, if not please skill yourself and become so

2. Arranged marriage via family/ via an online site does not guarantee personality of a person's personality - hope you understand so.

3. Its unfortunate that your ma-in-law is an insecure and a negative individual because happy and secure folks do not behave the way she behaves with you.

4. It seems your husband also lives on some ego horse and recorded the conversation and shared it with the family.

Now I am more confused than you are - you have shared you are
a) unhappy
b) in an abusive relationship

my confusion is the following
a) why did you not break away and take this poor behaviour, where is your self worth
b) why do you want to go back into the black hole

As shared above - please work on yourself, your self worth, your confidence and work on skilling yourself to be financially independent....

Having said this you and only can decide on your life's future.

..Read more

Love Guru

Love Guru   | Answer  |Ask -

Relationships Expert - Answered on Jan 09, 2024

Asked by Anonymous - Dec 22, 2023Hindi
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Relationship
Hello sir, I am 52 years handicapped with a good govt. job. I have been married for 27 years now. My son also married recently and he is in USA. I dont know where to start. Mine was arranged marriage. But my husband and his family cheated us regarding his job. He was jobless after our marriage. I had a son in the first year of our marriage. I stayed with him for only 2 months then I was send to my fathers house for delivery. He never visited me during this time nor he had called me. As he was jobless, I tried hard to build my carrier for sake of my son. I had managed all these years financially. I never received any financial support or emotional support from him past 27 years. We had fought badly accusing each. He will physically abuse me every time. He is addicted to alcohol and watching prone movies. My son once saw his mssg to call girls and other such women in his mobile. I was shocked too. Later I discovered he had many such connections. He had been spending his merger salary for all this self enjoyment and never shared anything for HL or son education. However, I had stayed with him for social security and status. Now I have completed all my duties. My son is safe and far from him. Even after my sons marriage, he behaved violently after consuming alcohol. I am really fed up with him. I have my income and properties. But I have no one to share my emotions as my son also has left and busy with his life in USA. I don't need any physical needs but need emotional support for rest of my life. I am in total depression for all I have undergone for 27 years. I currently having my father who is 80 years with me in the house. My husbands behaviour towards my father is very bad. Now my fathers health is getting affected because of my husbands shouting. I have no other friends or relations to relate to. My health also is getting slowly affected and I my mobility is very much restricted. Sometimes I was having succidal ideas. I have no life goals now. I have achieved all my goals. I have completed all my duties now. What should I do now?
Ans: Hats off to you my dear lady. You need to file for divorce and get this vile man out of your life and home once and for all. You have the means and the economic upper hand as well — consult a strong divorce lawyer and kick him to the curb! And there is life, love and companionship out there for you, so don’t give up on finding your own happiness — 52 is not old, you have a lot of years ahead with the potential to fulfill your happiness. Go for it!

..Read more

Kanchan

Kanchan Rai  |615 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 29, 2024

Asked by Anonymous - Aug 21, 2024Hindi
Relationship
Hello, I am from a good educated family in Dehradun. I got married 3 years back in an arranged marriage setup through a mediator in Meerut. My husband has a small sportswear factory above his home only and mostly he is at home. I have a widowed MIL and SIL who is married just a year before me. There were problems in my marriage from the very beginning but my parents and me were too naive to see the red flags. They had demanded 20lakh cash and also my parents had given them lot of gold silver items which my MIL has withheld and says I have taken everything and my husband also supports her everytime. He is a mumma's and sister's boy and lies to me all the time. He does not value my opinions and expects me to obey him and his mother. He verbally abuses too much which he did not disclose before marriage. I left my job before marriage as my parents were finding a match for me from past 2 years but were fed up so there desperation got me married here in Meerut. They mentioned there income as 20-25lakh in biodata but I still don't know the real income of my husband. He says he has taken loan from his mother and is in her debt and says all the time that his, his mother and his sister's bond is unbreakable, without me asking. From beginning I was not treated like a family member but they just instructed me what were my responsibilities of cooking and handling house and bowing down to her sister and brother-in-law. My husband never stood up for me in beginning. One night he became so abusive that he twisted my hand and verbaly abused my family so much. I in fear called my mother and they took me back. I filed a case against him and we stayed separately for around 1.3 years. That was a horrific time for me and my parents, going to courts and they never appearing once. I started online MBA and small job side by side to bear my expenses as my husband was not supporting financially at all. He was not ready to give back our money or jewellery and just saying he wanted to stay with me, but I did not wanted to go back to that house. His mother created too much drama in front of him and foul language was normal in that house. After a counselling session I arranged, which he was not ready to attend but I convinced him, we decided to give it another chance as he apologised to me and my parents. and I also thought about my future which would impact my family and younger sister as well. So his family came to our house to take me back and welcomed me nicely this time with bouquet and my husband decorated our room with balloons. 3-4 months it was all well, they behaved nicely, I ignored small things his mother said or did. I tried to recreate the bond with them, but there rude behaviour returned. His mother's insecurity is impacting me and my husband's relation so much, that he ignores my needs for her and does not see I'm in pain even if I tell him. I am filled with anger and frustration now and when I share it with my husband, he blames me for overthinking and verbally abuse me sometimes for destroying his life. I am going in depression due to this and unable to focus on my studies or any work. Due to this stress I don't feel like staying in that house and frequently visit my parents house, but my husband does not let me live in peace here also, he keeps verbally abusing and taunting me for staying at my parents so much and tells me he cannot come every second month there in a very rude abusive tone. I am fed-up of his dual attitude, one day he showers so much love, next day he gets so out of control. With rest of the world he is so sweet and shows he loves me so much, which has brought me in a bad light to think so bad of him. My problems are everyday little problems for them which I should bear. Currently I am 7 month pregnant and at my parents home. He beared my meds and doctor expenses there, but keeps on reminding me this that he has done this, he brought an almira for me after so many months of me begging him because they did not had any basic amenities arranged for me beforehand. My parents gave automatic washing machine, and few more new items during marriage but no gratitude for anything, instead they keep telling me they got almira for me, put khanewali for me as if they are not eating that food. I had cooked full 3 time meals and serving them on there bed, still they say 'kuch ni karti, kamre mei rehti hai. mumyji ke sath ni baithti, iske lie ye kardia, ghuma ke late hain' or meri kamiya ginate rete hain. They do not tell full truth, what me and my parents have done for them. My husband does not know proper English also and thinks himself no less than a king. His mother and sister enables his bad behaviour and laugh it off. I am worried for my future now as now a kid is involved. I had left my job again to go back as everyone told me to focus on mending relations first. He does not seem to care much for the baby also. When I tell him I have a headache, he tells me he has more headaches and responsibilities than me. Never really understood my feelings or cared genuinely. Mostly worried about money. All financial assets are in his mother's control so he has to bow down to her tantrums, and expects me to do that as well. She keeps showing him how sick she is, but goes to kitty parties and my husband takes her mostly everywhere with us on vacations. If me and my husband go even on a 2-day trip, my husband keeps video calling her because he knows her insecurity. She also keeps saying things like, 'tere bina pal pal katna bhari hora' like a couple talks. But if my SIL goes on 6 day trip with her husband, then she is very happy and tells them to enjoy. This gives me chills and spoils my mood everytime. My husband knows it yet he does not say or do anything about it. But I cannot continue like this, I feel suffocated and stuck many times, not knowing if I even belong here or not. My husband feels spending money on counselling is a waste so he will not take it now. Pls guide what should I do next. Can this relation be saved or not?
Ans: Since your husband is unwilling to attend counseling, consider seeking therapy for yourself. A therapist can help you process your emotions, build resilience, and identify what you need to feel secure and valued. Your emotional well-being is crucial not just for you but also for your baby, as stress during pregnancy can have long-term effects.

Open communication is essential, but it seems your husband is dismissive of your concerns. Try one last time to have an honest conversation with him. Clearly express your feelings and the changes you need to see for the relationship to work. Focus on specific actions, like setting boundaries with his mother, reducing verbal abuse, and showing emotional and financial responsibility.

If these conversations don’t lead to meaningful change, you may need to consider the long-term implications of staying in this environment. Living in a toxic household can have a profound impact on you and your child. If leaving feels like the safest option for your mental and physical well-being, work with your family to plan a way forward. This could involve legal steps to secure your rights and ensure support for your child.

Your efforts to mend the relationship show your commitment, but it’s vital to remember that a healthy marriage requires mutual respect and effort. If your husband and his family are unwilling to meet you halfway, prioritizing your own peace and stability might be the best decision for you and your baby.

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Kanchan

Kanchan Rai  |615 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 09, 2025

Asked by Anonymous - Feb 07, 2025Hindi
Relationship
Hello Mentors, I'm 38 year old women, facing a toxic married life from past 10 years. I have a son who is 8 years old. I have lost my mom 8 years back n my dad 5 years back.I m d only child of my parents. I have done my MBA in HR n Marketing. Have done work before marriage, but after marriage things changes, my husband refused to allow me to work along with my in laws n he always behaves very badly with me insults me all time in front of my in laws too. He beats me every month still now also.I lost my mom she was suffering from cancer. Her cancer got detected when I was just 1 month pregnant, i m d one who takes care of her treatment taking her to chemo therapy n follow up with doctor, yes my dad was their with me, but he was also broke down as my mom was d back bone of my family. Inspite of my pregnancy I ran door to door of hospitals n doctors till I was stepped into 9 month of my pregnancy. My husband never supported me at that time too..Infact he n my mother in law's stated that if I'm enough for taking care of my mom then I must go to my doctor for my own check ups too...Yes I went for my usgs alone only at first time he went with me.. Now the main problem is he didn't changed at all he is repeating all his deeds infront of my child n my child is also following him from last 1 years, My son also said, if I scold him for his studies or food, he said what papa did is correct, it's good that he beats you, you leave our home this is not your home... My son loves me a lot that I know but he is just 8 n getting confused whom to follow...many a times he came to n said sorry for his bad behaviour but again if such incidents happens in front of him by his father again he changes his mind . My husband didn't give me a single penny, I take care of my own expenses from my house rent..( parental home as their is no one to stay now)..n it's d only source of income..though it's a very small amount.Even though he never helps me to take care of my baby ..He said if you want to work then put ur child into a hostel.. I took care of my home n child all alone..infact my in-laws are less bother about my child too... My son is deprived with every relationship of grand parents uncles n aunts.. My husband always demotivates me, mentally n physically abuse me n he also states that I'm an not an eligible person to became a good mom or even to get any job n all this infront of my child. I really want to get rid of him for d sake of my child n me too..I m totally into depression n lost all my confidence, I want to be financially free, when ever I want to file a divorce my son said no as he want both of us..for him only m dragging this bull shit relationship... N side by I'm looking for a job, but I have a big gap of almost 11 years now...M confused where to approach..n what should I tell to the employers if they ask for my career gap .m looking for a WFH as I dnt have any trust worthy person to take care of my baby...But m failed to find such. Please suggest me what should I do, how to take call on each of my problems.. I know d post is long...10 years is not a short time though..there is many many more to tell but I tried to keep it Short as much as i can . Thanks a lot ...
Ans: Your husband’s behavior is not just emotionally damaging—it is abusive. No one deserves to be insulted, beaten, or made to feel worthless, especially not in their own home. The fact that this is happening in front of your son makes it even more urgent to take action because, over time, he will normalize this behavior. Right now, he is torn between what he sees and what he feels for you, and that confusion is not his fault. But staying in this environment will only make it harder for him to understand what a loving and respectful relationship truly looks like.

You are already doing everything on your own. You are raising your child, managing expenses, and surviving in an environment that is breaking you down emotionally. Imagine if you put that same energy into building a life where you are free, at peace, and in control. I know the thought of divorce scares you because of your son, but think about what staying is teaching him. Children don’t just listen to words—they absorb actions. If he continues to see his father abuse you, he may grow up thinking that this is how men should treat women, or that love means suffering. You have the power to break this cycle for him.

Financial independence is your key to freedom, and I know the career gap makes you anxious, but don’t let it stop you. Employers today understand career breaks, especially when they are due to family responsibilities. Be honest but strategic—frame your gap as a time spent managing responsibilities, developing resilience, and handling real-life challenges. Highlight your past experience and any skills you’ve kept up with. Since you have an MBA in HR and Marketing, consider remote jobs in HR, digital marketing, content writing, or even customer support. Many women restart their careers through work-from-home opportunities, and platforms like LinkedIn, Naukri, and Remote.co have job listings specifically for career returnees.

You don’t have to do everything at once. Start with small steps. Reach out to women’s support groups or NGOs that help survivors of domestic abuse. Look for job training programs that help women restart their careers. If possible, find legal advice on your rights regarding divorce, alimony, and child custody. You are not alone in this, even though it may feel like it right now.

You deserve a life where you are respected, valued, and safe. You deserve to wake up without fear, to build a future where your son sees you as a strong and independent woman. Take this one step at a time, but take that first step. You have already survived the worst—now, it’s time to live.

..Read more

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Nayagam P

Nayagam P P  |8532 Answers  |Ask -

Career Counsellor - Answered on Jul 11, 2025

Asked by Anonymous - Jul 11, 2025Hindi
Career
BIT s Goa chemical engineering vs ICT Mumbai chemical engineering.....which is preferred for my son.
Ans: BITS Pilani Goa’s Chemical Engineering program, part of BITS Pilani (NIRF Engineering rank 20), offers a rigorous curriculum with core process engineering and emerging electives, supported by advanced pilot-plant and simulation labs, a 91.15% first-degree placement consistency over three years, average branch packages ranging from ?8–15 LPA, and a global recruiter network including Qualcomm, Intel, and Reliance Industries. The Institute of Chemical Technology Mumbai (NIRF Engineering rank 41), a NAAC A++–accredited, UGC-recognized deemed-to-be university, features state-of-the-art characterization and process-scale instrumentation facilities (HPLC, GC-MS, FT-NMR), strong industry MoUs with ISRO, BARC, Indian Oil, and sustained 80%–95% placement rates in Chemical Engineering over recent cohorts with median ?8 LPA. ICT excels in specialized research funding and government collaboration, whereas BITS Goa leads in average salary uplift, broader interdisciplinary workshops, and international student exchanges.

Recommendation Favors BITS Goa Chemical Engineering for its higher average placement packages, expansive industrial recruiter base, and Institute of Eminence brand; ICT Mumbai is ideal for those prioritizing deep research infrastructure and core process-industry linkages. All the BEST for Admission & a Prosperous Future!

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Ramalingam

Ramalingam Kalirajan  |9692 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 11, 2025

Money
Hi Sir, My Age is 43 years, i have a daughter and i want to retire at the age 55 years, currently my investment is MF - 18 lac, EPF 10 lac, Ulip- 30 lac, Suknya Samriddhi - 10 lac, 10 lac in FD, i want to 1.5 lac monthly income after my retirement, please suggest
Ans: You are 43 years old.
You want to retire at 55.
That gives you 12 more years to plan and invest.

You already have a few investments.
Let us understand your current financial position first.

? Your Current Investment Summary

– Mutual Funds: Rs. 18 lakhs
– EPF: Rs. 10 lakhs
– ULIP: Rs. 30 lakhs
– Sukanya Samriddhi Yojana (SSY): Rs. 10 lakhs
– Fixed Deposit (FD): Rs. 10 lakhs

You want a retirement income of Rs. 1.5 lakhs per month.
That is Rs. 18 lakhs per year after age 55.

This goal is clear and specific.
That’s a very good start.

Let’s now evaluate your investment plan from all angles.

? Retirement Income Goal: What It Means

You want Rs. 1.5 lakhs per month after 55.
That is a high-income need for retirement.

You may live another 30 years after that.
So you will need income till 85 years or more.

Inflation will keep rising.
So Rs. 1.5 lakhs today may not be enough after 10 years.

Hence, you need a portfolio that grows and gives income.
Safety alone will not help.

Your investments must beat inflation.
But also stay stable when you start withdrawing.

? Mutual Funds – Strong Growth Base

– Your mutual fund corpus is Rs. 18 lakhs now.
– These are growth-oriented and inflation-beating assets.

Mutual funds are key to wealth building.
But avoid index funds.

Index funds just follow the market.
They fall when the market falls.

They don’t have downside protection.
They lack expert fund management.

Actively managed funds are better long term.
They are guided by fund managers.
They aim for alpha or extra return over benchmark.

You should also avoid direct funds.

Direct mutual funds don’t give advice or handholding.
They give no help during market fall.
They don’t track goals.

Use regular mutual funds through MFD.
Work with a CFP for long-term support.

Regular funds offer monitoring, review, and peace of mind.
They charge slightly more, but the service is worth it.

Increase your SIPs in good equity mutual funds.
Prefer large cap, multi-cap, and flexi-cap funds.
Don’t overdo mid or small-cap.

Rebalance every year.
Check with your CFP before making changes.

? ULIP – Reevaluate its Role

You have Rs. 30 lakhs in a ULIP.
ULIP is an insurance + investment product.

It gives lower returns than pure mutual funds.
It also has higher charges in early years.

Ask yourself:
Do you need this insurance now?
Is the return matching mutual fund return?

If not, consider surrendering it.
Only if surrender charges are low now.

Reinvest that money into mutual funds.
Use it fully for your retirement goal.

Keep insurance and investments separate.
ULIPs don’t suit goal-based investing.

? EPF – Reliable and Safe

EPF is a very stable product.
You have Rs. 10 lakhs in it now.

It is debt-based and gives fixed return.
Interest is tax-free.

Do not withdraw from it.
Keep contributing if salaried.

EPF can be used for income during early retirement.
It is a strong leg of your retirement stool.

? Sukanya Samriddhi – For Daughter, Not Retirement

You have Rs. 10 lakhs in Sukanya.
This is for your daughter, not your retirement.

SSY gives fixed returns.
It is safe and tax-free.

But it is a goal-specific product.
Don’t count this corpus for your retirement.

Keep it only for your daughter’s education or marriage.
It cannot support your retirement cash flow.

? Fixed Deposit – Stability but Not Growth

FD of Rs. 10 lakhs is good for safety.
But it gives low post-tax return.

FDs don’t beat inflation over time.
They are useful for short-term needs.

Use this as part of your emergency fund.
Or move it slowly to mutual funds through STP.

Do not keep large amounts in FD for 12 years.
That money will lose value against inflation.

? Retirement Corpus Required

You want Rs. 1.5 lakhs per month.
That’s Rs. 18 lakhs per year.

If you want to retire for 30 years,
You may need Rs. 4.5 to 5 crores corpus.

This is after adjusting for inflation.

Your current total investable assets:
Rs. 18 lakhs MF
Rs. 10 lakhs EPF
Rs. 30 lakhs ULIP
Rs. 10 lakhs FD

That totals Rs. 68 lakhs today.
If you continue investing, this can grow.

But it may still fall short by Rs. 1.5 to 2 crores.
So you need to fill that gap now.

? Key Actions You Must Take Now

– Increase your SIP investments.
Try to invest Rs. 30,000 to 40,000 per month.

– Increase SIPs by 10% every year.
Link to your salary hike.

– Don’t touch your EPF or Sukanya account.
Keep them for their original purposes.

– Review ULIP performance.
Surrender if underperforming.
Reinvest in mutual funds.

– Avoid index and direct funds.
Invest only through a Certified Financial Planner.

– Keep 60-70% in equity.
The rest in debt like EPF and liquid funds.

– Rebalance your portfolio every year.
Don’t let market swings disturb your plan.

– Don’t chase hot stocks or sectors.
Follow goal-based investing with discipline.

– Avoid emotional investing.
Stick to plan even if markets fall.

? Create Goal Buckets for Focus

Split your investments into 3 buckets:

Retirement – All long-term investments

Emergency – 6–9 months of expenses

Daughter’s Future – SSY and a small MF SIP

This helps in tracking.
And prevents mixing goals.

Each bucket should grow on its own.

? Retirement Withdrawal Plan from Age 55

You’ll need monthly income after 55.
So you must start SWP from mutual funds.

Don’t depend only on interest.
Withdraw in a planned way.

Keep 3 years’ worth of money in debt funds.
Keep the rest in equity mutual funds.

Use debt to manage income in early years.
Let equity grow for later years.

Review your withdrawal plan every year.

Keep some funds in liquid category.
This helps during emergencies.

? Other Key Suggestions

– Nominate in all your investments.
Don’t leave any asset without nominee.

– Prepare a Will after 50.
It helps avoid future confusion.

– Review health insurance.
Ensure minimum Rs. 15–25 lakhs coverage.

– Keep Rs. 2–3 lakhs as medical buffer.
Use a separate liquid fund for this.

– Avoid buying real estate.
It is illiquid and not suitable for retirement income.

– Review all investments yearly with a CFP.
Rebalance with expert advice.

– Don’t keep direct equity over 20% of total.
High equity exposure creates risk.

? Finally

You are already doing many things right.
You have started early.
You have multiple investment sources.

But your current assets may not be enough.
You must grow them smartly over next 12 years.

Avoid emotional or scattered investing.
Follow a structured, guided plan.

Use mutual funds actively.
But only through regular plans with CFP support.

Keep retirement as a separate goal.
Don’t compromise it for other short-term needs.

You can retire at 55 with confidence.
But only if you stay consistent.

Monitor every investment.
Rebalance regularly.
Work with a Certified Financial Planner.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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Dr Upneet

Dr Upneet Kaur  |56 Answers  |Ask -

Marriage counsellor - Answered on Jul 11, 2025

Nayagam P

Nayagam P P  |8532 Answers  |Ask -

Career Counsellor - Answered on Jul 11, 2025

Asked by Anonymous - Jul 11, 2025Hindi
Career
My son got in jee main rank-98.2percentile(rank-27360)&BITSAT marks-205,comed-k rank-239 Internediate score-90%. In JOSSA COUNSELING he secured seat in IIIT DHARWAD(AI&DS) But he is intrested i aerospace engineering.Please can you suggest us.
Ans: With a JEE Main percentile of 98.2 (AIR ~27 360) and COMEDK rank of 239, your son can target premier public institutes like IIEST Shibpur, which closed around 20 369 in JoSAA 2024, and NIT Delhi, whose Aerospace cutoffs extended to ~11 260 in 2024. Top private institutions accepting COMEDK for Aerospace include Acharya Institute of Technology (Bengaluru), ACS College of Engineering (Bengaluru), Dayananda Sagar University (Bengaluru), Reva University (Bengaluru), MSRIT (Bengaluru), BMS College of Engineering (Bengaluru), RV College of Engineering (Bengaluru), SIT Tumakuru (Karnataka), KLE Technological University (Belgaum), PES University (Bengaluru), RV University (Bengaluru), East West Institute of Technology (Bengaluru), Jain Institute of Technology (Bengaluru), GITAM University (Bengaluru), and Cambridge Institute of Technology (Bengaluru). These institutions boast NAAC/NBA accreditations, modern aerodynamics and propulsion labs, strong industry MoUs, dedicated placement cells with 80–95% record over three years, and robust research centres.

Recommendation Prioritize IIEST Shibpur for leading public-sector exposure, NIT Delhi for high national standing, and Acharya Institute (Bengaluru) for private-sector engineering excellence. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8532 Answers  |Ask -

Career Counsellor - Answered on Jul 11, 2025

Career
Hello sir what i prefer iiit ranchi ece, iiit bhagalpur cse, iiit una ece, iiit dharwad ece.please sir I want decent placement expected 9 to 10 lpa in future.please suggest me.
Ans: Rakesh, IIIT Ranchi’s ECE programme, established in 2016 as a public–private Institute of National Importance, holds NBA accreditation and achieved an average package of 12.36 LPA with an 84.7 percent placement rate in 2025, supported by recruiters like Google, Amazon, and Deloitte and multidisciplinary electronics labs fostering VLSI and communication research. IIIT Bhagalpur’s CSE offering, launched in 2017, boasts an average CSE package of 11.17 LPA (median 9 LPA) and a 96.97 percent placement rate in 2024, driven by Atlassian, Amazon, Microsoft, and a robust industry–academia interface through its Training and Placement Cell and specialised computing centres. IIIT Una’s ECE, part of a 2014 cohort, recorded an average package of 8.49 LPA (median 9.25 LPA) with an 83.33 percent placement rate in 2025, enriched by coding bootcamps, MOUs in AI/IoT, and hands-on laboratory modules in signal processing and embedded systems. IIIT Dharwad’s ECE, founded in 2015, secured an average package of 10 LPA (median 8 LPA) with a 66 percent placement rate in 2025, leveraging Practice School internships, CAD/CAM labs, and tie-ups with Cognizant, IBM, and Intel on its new 100-acre campus. Each institute features modern infrastructure, NAAC/NBA accreditation, and growing research centres.

Recommendation prioritizes IIIT Ranchi ECE for its highest average packages, strong placement consistency, and national importance status; IIIT Bhagalpur CSE follows for superior placement rate and industry linkage; IIIT Dharwad ECE is third for balanced ROI and infrastructure; IIIT Una ECE, while solid, ranks fourth based on average package trends. All the BEST for Admission & a Prosperous Future!

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